California Installment Loans - Direct Installment Loan Lenders in California is your go-to platform for exploring California installment loans, whether you need financing for personal expenses, unexpected bills, or other purposes. DirectLendersList can guide you in making informed borrowing decisions. With our platform, you can easily compare and connect with direct lenders, lender connecting services, and lending marketplaces that best meet your financial requirements, streamlining the process of securing suitable installment loans in California.

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Installment Loan Lender in California
Web Rating
Loan Amount:
$500 – $10,000 is a leading lender connecting marketplace dedicated to helping individuals in California access the financial support they need. The platform connects borrowers with an extensive network of direct lenders and loan providers, offering online installment loans that range from $500 to $10,000. With the user-friendly interface, the process of securing California installment loans has never been so easier.

APR Range

5.99% – 35.99%*

Min. Credit Score


Repayment Terms

3 to 72 months

Funding Time

Next Business Day*


You must be at least 18 years old.

Proof of citizenship, such as a Social Security number or lawful residency, is required.

Driver’s license or state issued ID.

Have a steady source of income, such as a full-time job or self-employment.

Hold a checking account under your name.

Must provide both your home and work phone numbers.

Must provide a valid email address.


• Company Name: – (Great, LLC)

• Loan Type: – Installment Loans

• State: – California

• Serviced As: – Lender Connecting Marketplace (Not a Direct Lender)

• Minimum Amount: – $500

• Maximum Amount: – $10,000

• Loan Term: – 3 Months to 60 Months

• Funding Time: – As soon as the next business day (Varies by the lender)

• APR range: – 5.99% -35.99% (Varies by the lender and other factors)

• Fees: – Determined by the lender


Your lender or financial service providers will solely determine the loan term, fees, and interest rates.

APR Range Example

$2,000 loan at 19.9% APR = $183.63/month for 12 months ($2,203.56 total)

California Installment Loans
Web Rating
Loan Amount:
$500 – $10,000 is a comprehensive online lender connection service facilitating seamless connections between borrowers and various lending sources, including direct lenders, lending networks, and tribal lenders. Operating through an innovative platform, CashUSA offers individuals in California access to installment loans spanning from $500 to $10,000. Their easy-to-use interface allows borrowers to submit loan requests and explore different offers from direct lenders and lending partners, helping them find the best solutions for their financial needs.

APR Range

5.99% – 35.99%*

Min.Credit Score


Repayment Terms

3 months to 72 months

Funding Time

24 to 48 hours*


Must be at least 18 years or older.

You must be a U.S. citizen or permanent resident.

Be employed for at least 90 days with a steady income source and fulfill the lender’s minimum income criteria.

Hold a checking account in your name.

You must be prepared to provide work and home phone numbers and a valid email address.


• Company Name: –

• Loan Type: – Online Installment Loans

• State: – California

• Serviced As: – Lender Connecting Platform (Not a Direct Lender)

• Minimum Amount: – $500

• Maximum Amount: – $10,000

• Loan Term: – 3 Months to 72 Months

• Funding Time: – As quick as the next business day (Varies by the lender)

• APR range: – 5.99% -35.99% (Varies based on the lender and other factors)

• Fees: – does not charge any fee for their service. The lenders determine the origination fee or any other fees.

The loan term, fees, and interest rates are determined solely by your lender or lending partner.

APR Range Example

$1500 loan at 7.9% APR = $67.77/month for 24 months ($1626.54 total)

Direct Tribal Loan Lender in California
Web Rating
Loan Amount:
$300 – $2,000

Explore Credit operates as a direct tribal lender specializing in short-term installment loans ranging from $300 to $2,000 in California. As a tribal lender, it functions within the jurisdiction of Native American tribe reservations, adhering to tribal laws and regulations. The platform provides a convenient and user-friendly online experience, ensuring borrowers enjoy simplicity and ease throughout the process. Experience the convenience and reliability of ExploreCredit as a trusted partner in obtaining California installment loans.

APR Range


Min. Credit Score


Repayment Terms

Up to 9 Months

Funding Time

Next working day*


Must be a U.S. citizen or permanent resident, at least 18 years old.

Have a valid government-issued I.D. or driver’s license.

Proof of income, a valid checking account, and a social security number are required to apply for a loan.

Must provide a valid email address and phone number.


• Company Name: – Explore Credit

• Loan Type: – Online Short-term Installment Loans

• State: – California

• Serviced As: – Tribal Lender

• Minimum Amount: – $300

• Maximum Amount: – $2,000

• Loan Term: – Up to 9 months

• Funding Time: – Same day or as fast as following business day

• APR range: – Undisclosed (APR) varies on loan duration and amount borrowed.

• Fees: – No penalty for early prepayment.


Caution: Tribal lenders operate under tribal laws within the Native American Tribe reservations, which may differ from state and federal laws. It's important to note that tribal lenders may not be subject to state or federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional licensed lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.

Direct Lenders California Personal Installment Loans
Web Rating
Loan Amount:
$500 – $4000

OppLoans (Opportunity Financial) operates as a loan facilitator, offering access to personal installment loans through its lending partner network in California. Borrowers can explore loan options from $500 to $4,000, finding suitable solutions for their financial goals. All California installment loans are underwritten, approved, and funded by lending partners and expertly serviced by OppLoans.

APR Range

Up to 160%*

Min.Credit Score


Repayment Terms

9-18 Months

Funding Time

24 to 72 hours*


18 years of age or older.

Must have a bank account (checking or savings account)

Have a regular source of income (Income can come from a job or benefits like Social Security, Disability, etc.)

Permanent resident or citizen of the U.S.

Receive income via direct deposit.


• Company Name: – OppLoans (Opportunity Financial, LLC)

• Loan Type: – Installment Loans

• State: – California

• Serviced As: – (Loan Facilitator) All loans serviced by OppLoans, Financed by lending partners.

• Minimum Amount: – $500

• Maximum Amount: – $4,000

• Loan Term: – 9 Months to 18 Months

• Funding Time: – 1 to 3 business days

• APR range: – Up to 160%* (APR) varies based on loan term, loan amount and creditworthiness.

• Fees: – No prepayment fees

APR Range Example

$2,000 loan at 160% APR = $394.58/month for 9 months ($3551.22 total)

California Installment Loans Online
Web Rating
Loan Amount:
$200 – $50,000

Honest Loans is an online lender-connecting platform that connects loan seekers with its extensive network of loan providers and reputable direct lenders; it offers installment loans online in California ranging from $200 to $50,000.

APR Range


Min Credit Score


Repayment Terms


Funding Time

One Business Day


Age minimum of 18 or older (or the age of majority in your state).

Be a citizen or permanent resident of the United States.

Possess an active checking account.

Provide proof of at least $800 in monthly income.

Valid phone number and email.

Your Social Security number, Date of birth, Valid I.D. proof

Name, address, and phone number of your employer.

Information about your income.


• Company Name: –

• Loan Type: – Installment Loans & Personal Loans

• State: – California

• Serviced As: – Lender Connecting Service

• Minimum Amount: – $200

• Maximum Amount: – $50,000

• Loan Term: – Up to 72 months*

• Funding Time: – 1 to 2 business day*

• APR range: – APR varies based on the lender policies and state laws

• Fees: – The lender would disclose any associated fees.


The loan term, fees, and interest rates are determined solely by your lender or lending partner.

Tribal Installment Loan Lender in California
Web Rating
Loan Amount:
$100 – $3,000

MaxLend operates as a direct tribal lender, offering short-term installment loans of up to $3,000 in California. Governed by tribal laws and operating within the jurisdiction of a Native American tribe’s reservation. With a customer-centric approach and commitment to transparency, MaxLend offers hassle-free loan solutions to meet the unique financial needs of Californians.

APR Range

471.78% to 841.45%*

Min. Credit Score


Repayment Terms

9 Months to 18 months

Funding Time

Same day or Next Business Day*


Maintain a checking account with funds that can be traced back to a verifiable source of income.

Hold an active checking account that meets the minimum duration requirements set by the bank.

Be at least 18 years of age and a resident of California.

Meet the minimum income requirements based on your take-home pay.

Not currently in bankruptcy proceedings or planning to file for bankruptcy relief voluntarily.


• Company Name: – MaxLend (Uetsa Tsakits, Inc)

• Loan Type: – Short-term Installment Loans Online

• State: – California

• Serviced As: – Tribal Lender

• Minimum Amount: – $100

• Maximum Amount: – $3,000

• Loan Term: – 9 Months for new customers (Returning customers up to 18 months)

• Funding Time: – Same or the next business day

• APR range: – 471% to 842%* (APR) varies on duration and amount.

• Fees: – No prepayment penalty


MaxLend is an economic development arm and instrumentality of the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. As a result, if you decide to do business with MaxLend, any dispute resolution process will be governed by Tribal law. Since MaxLend is owned by three federally recognized sovereign American Indian Tribes, it is not subject to suit or service of process. This implies that your potential forums for dispute resolution will be limited. If you are uncomfortable doing business with a sovereign instrumentality that cannot be sued in court, MaxLend recommends considering alternative services.

California Tribal Loan Lenders
Web Rating
Loan Amount:
$200 – $1,500

Zoca Loans

ZocaLoans is a tribal lender offering California residents access to small-sized short-term installment loans ranging between $200 to $1500. Regulated by tribal laws, it operates within the Tribe’s reservation. ZocaLoans is committed to providing borrowers with trustworthy and tailored financial solutions focusing on transparency and customer satisfaction.

APR Range

Up to 795%*

Min Credit Score

No minimum credit score

Repayment Terms

Up to 6 Months

Funding Time

Same or next business day*


18 years old or older

You must have a valid driver’s license number.

You must have an ABA number for your checking account.

Bank routing number is required.

You must have your Debit Card Number.


• Company Name: – ZocaLoans (Rosebud Lending)

• Loan Type: – Online Short-term Installment Loans

• State: – California

• Serviced As: – Tribal Lender

• Minimum Amount: – $200

• Maximum Amount: – $1,500

• Loan Term: – Up to 6 Months

• Funding Time: – Next business day*

• APR range: – Up to 795%* (APR) varies on the loan amount and duration

• Fees: – No prepay penalties
NSF fee of $25* and Late fee of $25* may apply.


Caution: Tribal lenders operate under tribal law, which may differ from state and federal law. It's important to note that they are not subject to federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as other state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.

Installment Loans in California

Installment Loans

in Californiain Los Angeles, CAin San Jose, CAin San Francisco, CAin Fresno, CAin Sacramento, CAin Long Beach, CAin Oakland, CAin Bakersfield, CAIn Anaheim, CAIn Riverside, CAin Stockton, CAin Irvine, CA

California’s economic reality is frequently represented as a wealthy and desirable state in American society. While Californians earn more than residents in other states on average, many working-class families still struggle with economic difficulties, despite the Golden State’s image of glitter and prosperity.

California’s high cost of living can make it difficult for people to make ends meet, affecting their credit ratings and financial stability.

Many Californians seek personal installment loans to access the required finances to deal with these problems. While looking for these loans, it is crucial to exercise caution and do your homework to find reliable lenders who provide reasonable terms and costs.

Requirements to Qualify for Installment Loans in California?

To qualify for an installment loan in California, an applicant must typically fulfill the lender’s specified standards. These requirements may differ depending on the lender; however, some of the most common eligibility criteria are as follows:


•  Age: Applicant must be 18 yrs or older to apply for an installment loan in California.

•  Proof of Income: Lenders often require proof of income to ensure the applicant can afford to make loan payments. Some lenders may have minimal income restrictions, such as a $1,000 monthly income.

•  Credit score: While some lenders may provide installment loans to borrowers with bad credit, having a higher credit score might boost your chances of approval.

•  Residency: To apply for installment loans in California, the applicant must be a legal resident of the state.

•  Employment: To be eligible for an installment loan, a borrower must have a regular verifiable source of income, such as a job, a business, or any other income source.

•  Bankruptcy: Applicants with active bankruptcy are generally not eligible for installment loans.

•  Personal Information: As part of the application process, applicants must provide valid personal information such as their address, email address, phone number, and social security number.


Remember that each lender may have different eligibility criteria; meeting these requirements does not ensure you will be approved for a loan. Furthermore, your creditworthiness and other factors will determine the loan terms and costs, so it is necessary to shop around and evaluate multiple loan offers before deciding.

3 Easy Steps How California Installment Loans Online Work

Simple Application

Pick a direct lender or loan marketplace in California from the list above, and fill out a simple application form online in minutes on their website.


If you meet the requirements, you can be approved on the same day. Evaluate your borrowing costs and sign a loan contract.

Get Funded

Get your approved loan amount direct deposited into your banking account as soon as the same or the next business day.

Are Personal Installment Loans Legal in California?

In California, installment loans are legal. California has some of the country’s most stringent consumer protection laws, with rules and regulations prohibiting unfair lending practices like usury. While there are currently no laws or regulations prohibiting online lenders from making loans in California, online lenders must still abide by the state’s lending rules and regulations, such as the California Financing Law (CFL).

The California Financing Law governs installment loans in California, mandating lenders to be licensed by the California Department of Financial Protection and Innovation (DFPI) and to follow specific regulations.

A rate ceiling of 36% was implemented by California Assembly Bill 539 in 2019 for personal installment loans between $2,500 and $10,000. Additional measures to protect consumers utilizing these products already exist, even for loans of less than $2,500.

In California, the maximum loan amount for installment loans is $10,000, and lenders must disclose to borrowers the total cost of the loan, including all fees and interest.

Furthermore, before committing to a loan, consumers should check that they can comfortably make the loan installments, as defaulting might harm their credit score and result in additional fines and penalties.

More Installment Loan Service Providers in California

Direct Lenders in California

Funds Nationwide

Loans starting from $100 – $5,000

Online network of lenders

Quick online form takes under 5 minutes.

California Personal loans direct lenders

Loans between $500 and $35,000

Large lenders network

Fast approval decision

Advantages of Installment Loan Online in California

There are several benefits when applying for an installment loan online in California, whether with a direct lender or through a lender matching service, including the following:

Convenience: Online installment loans are simple to apply for from the comfort of your home or place of business, removing the need to go anywhere in person. This can help you save time and effort, which is advantageous if you have a busy schedule or live far from a lender’s store location.

Quick prequalification: Online installment loan request forms are typically short. Online lenders and lender-matching services provide a simplified application procedure. These are quick to complete, making prequalification for borrowers straightforward without devoting much time to the application.

No hard credit inquiry: Your credit score won’t be impacted because direct lenders and lender-matching platforms don’t run a hard credit check to determine your prequalification when you submit the loan request form.

Prequalification criteria: You need to fulfill the minimal requirements, such as being 18 years of age or older, having a Social Security number, having a checking account, having an email address, and having a phone number.

Flexibility: Installment loans allow borrowers to repay the loan in a series of regular installments rather than one lump sum that includes both the principal and interest. Budgeting for loan payments and handling your finances may become more manageable.

Accessibility: As some online lenders specialize in offering loans to people with lower credit scores, online installment loans can be more accessible to applicants with less-than-perfect credit.

Speed: Online installment loans are frequently approved and funded quickly, sometimes within 24 hours. You can receive the money in your bank account if you agree to a loan. This is especially useful for individuals who need cash immediately to pay unforeseen bills or emergencies.

Other Loan Types That May Interest You in California

Why Choose DirectLendersList for Installment Loans in California

Safe and Secure

Directlenderslist does not collect any personal information from its users. We have partnered with direct lenders and lender-connecting services to enable access to installment loans in California, and we have listed them on our website. Applying is safe and secure as these partners use next-generation encryption technology to avoid data breaches. Both your personal and financial information is kept private and protected. Be confident that applying for a loan through Directlenderslist is safe and secure.

Reliable & Trustworthy

Directlenderslist works with reliable lending companies and lender-matching services that offer affordable installment loans online in California. Access to multiple lenders enhances your chances of finding a loan that best fits your unique financial situation. Our main objective is to assist you in obtaining the funds you require in a secure, easy, and affordable manner.

Frequently Asked Questions

Most frequently asked questions about California installment loans

The amount you can borrow from a California installment loan is determined by various factors, including income, credit score, and the lender’s internal policies. In California, however, the maximum amount you may borrow through an installment loan is up to $10,000.

Yes, low-income residents of California can apply for installment loans. Even though the lender may consider your income level when determining your loan amount and eligibility. It is critical to understand that specific lenders may have a $1,000 minimum monthly income requirement for applicants to be eligible for an installment loan.

Although several websites advertise offering installment loans in California without running a credit check, it’s important to exercise caution. To evaluate the borrower’s creditworthiness and ability to repay the loan, reputable lenders often do a credit check as part of the application process. If a lender doesn’t verify your credit, they could charge you a higher interest rate or add unfavorable terms to the loan agreement.

Even though a soft credit check won’t affect the borrower’s credit score, some lenders may still give loans to borrowers with less-than-perfect credit.

The time it takes to secure an installment loan in California depends on several factors. Generally, the application procedure for installment loans is fast, and lenders can approve loans in minutes to a few hours. The funds will be deposited into your bank account within one to two business days of approval. The actual timeline for financing, however, will depend on the lender’s regulations and the time of day you apply. Some lenders may provide same-day funding, but others may require more time to review and finance the loan.

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Tribal Lender

Tribal Installment Loan Lenders